👍 We Are Your Top-Rated Choice for All Cash & Creative Home Buyers!

We Partner With Agents!

Agents! Are you heavy listed? Do you need to get your homes sold? Learn more about Creative Financing. Due to rising interest rates, we are using creative financing to battle this. Creative Financing is a win-win for buyers and sellers.

Why We Are The Best

Our last 30 days we have done $1,525,000 in investments and paid out 40k in agent commissions!

  Contact us today at (859) 240-0728!

Types of
Creative Financing

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A Straight Subject-To (Cash-To-Loan)

A straight subject-to deal simply includes the seller’s loan balance plus any additional cash from the buyer to equal the agreed-upon purchase price.  Let’s say two parties — buyer and seller — agree that the purchase price for a home will be $150,000.  The seller still owes $100,000 on their home loan.  The buyer will take over those mortgage payments in a subject to deal and will pay $50,000 in cash to the seller (the difference between the purchase price and the loan balance).

Why Would A Seller Agree To A Subject-To?

A subject-to deal can help provide a quick solution to whatever problem they face.  The deal usually happens relatively fast, with no buyer financing on the line.  In addition, sellers may be motivated by the possibility of improving their own credit.  Buyers pay agents fees.  Also with a subject-to, a seller could avoid foreclosure and rebuild credit, since the mortgage (which the buyer is paying) is still in their name.

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Given the volatile economy and shifting global trends, it’s crucial for real estate agents to continuously adapt and broaden their expertise. Mastering diverse transaction types and various deal structures—including subject-to, seller financing, and lease options—equips agents with a decisive advantage. This knowledge not only enhances their ability to close more deals but also ensures they effectively meet their clients’ evolving needs.  We look forward to partnering with you!  Call us at (859) 240-0728.

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We buy houses!

As a leading house buyer, we have mastered the art of buying homes quickly and efficiently. With years of experience, we have developed a streamlined process that simplifies every step from start to finish. We make it easy for you to sell your house fast with no hassles or headaches. Our team is here to guide you through the entire real estate transaction, keeping you informed every step of the way.

We buy houses anywhere for different situations, including;

At Spinney Homes, we are committed to putting customers first. We strive to provide a stress-free experience and offer honest advice to our clients. Our professional home buyers are here to help you find the perfect solution for your situation. Call us today at ‪(859) 240-0728 for a fair offer on your house.

Why consider selling my house for a fair offer over the traditional method?

Different avenues of selling a home may be the right choice for you. Selling your house for a fair offer is often the most straightforward and hassle-free option compared to traditional real estate transactions. While traditional home sales have their advantages, they also come with costly fees and long waiting periods. When you work with Spinney Homes, we cover closing costs and agent commissions, allowing you to keep more of your money.

We also strive to make the entire process as efficient as possible. Our house buyers are experts at making quick offers and closing deals in a fraction of the time it takes for traditional sales. We work hard to help you get the best deal in less time, allowing you to move on with life and enjoy a fresh start.

Besides, if your home has structural damage that makes it difficult to sell in the traditional market, we are your perfect partners. We provide a tailored approach for each customer and strive to uncover the hidden potential in every property we buy.

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Professional house buyers

While there are many home and house buyers in the market, you can trust Spinney Homes to provide top-notch service. With years of experience and our commitment to outstanding customer care, we strive to exceed expectations on every transaction.

We are dedicated to providing a stress-free experience for all our customers. Our house buyers will take the time to listen and understand your needs, allowing us to create a tailored solution that meets your unique situation.

Get An Offer Today!